Although not commonly applied to life claims, a common disaster life insurance clause is provided under what is known as the Uniform Concurrent Death Act, which is adopted by most states to address the problem of protecting the contingent beneficiary in the event that the insured and the principal beneficiary die at the same time or as a result of the same event.

Under this law, the law will assume that the first (primary) beneficiary died first in a common disaster. It allows proceeds to be paid to the secondary (contingent) beneficiary or the insured’s estate, if no contingent beneficiary has been designated. The intention is to ensure that the final wishes of the insured are met.

Most insurance companies specify a specific period of time, such as 30 or 60 days, within which death must occur to comply with this provision of the policy. What this means is that as long as the beneficiary dies within this period of time after the death of the insured, the law will continue to interpret the beneficiary as dying first.

The common disaster clause of a life insurance policy is very important and most states provide it according to the law. You should read your insurance policy carefully to make sure your state allows this provision.

Comparing life insurance quotes from different companies can mean comparing apples to watermelons. Each company has different riders, provisions, and riders that are used to change both the policy premium and the policy benefits.

You should carefully consider the policies and quotes of various companies before making a decision. Using a free tool to help you do this, such as a life insurance quote calculator, helps.

In March 2014, the California Court of Appeals issued an opinion in Richman v. Hartley (2014) 224 Cal.App. 4th 1182, which makes clear that California law requires sellers of real estate to provide a ‘Transfer Disclosure Statement’ (TDS) to the buyer if the property is a mixed-use property. A ‘mixed use’ property is a property that contains both residential and commercial improvements.

Buyer contracted with Seller to purchase Seller’s real estate in Ventura, California. The real estate was a single parcel, but it included two buildings: a residential duplex and a commercial structure. The parties used a standard sales contract used for commercial real estate purchases. The agreement contained the following provision: “The Seller will make to the Buyer, through an escrow, all applicable disclosures required by law … with respect to the property …” The contract also contained language indicating that the sale would be non-contingent and on an “as is” basis.

The buyer refused to close on the scheduled date because, it claimed, the seller did not provide the required disclosure statements. Specifically, the Buyer argued that the Seller did not provide the TDS as required by the Transfer Disclosure Act, Civil Code § 1102 (a), and seq. California Civil Code § 1102 (a) clarifies that the disclosure requirement applies to “cooperatives of real estate or residential housing, improved with not less than one and not more than four housing units”, unless the property is expressly exempt. Civil Code § 1102.02 lists the types of real estate transfers to which the Transfer Disclosure Act does not apply, and a ‘mixed use’ property is not among them. Seller argued that the Transfer Disclosure Act only applied to sales of properties that only involve residential structures.

The seller sued the buyer for breach of the purchase contract. During the litigation, the Buyer requested a summary judgment and prevailed because, as a matter of law, the Seller could not demonstrate that it fulfilled its legal and contractual duty to provide the TOS. The trial court granted a summary judgment in favor of the Buyer and the Seller appealed. The appeals court upheld the lower court’s decision.

Seller asserted on appeal that the Transfer Disclosure Act only applied to real property “consisting of not less than one and not more than four dwelling units”, and that his property consisted of residential and commercial buildings. The seller argued that the law was not intended to protect what are, in essence, business transactions.

The Court of Appeals noted that the Legislature enacted the law in 1985 and, by its express wording, requires a seller to provide the buyer with a real estate TDS on “any transfer … of real estate” enhanced with or consisting of no less than one nor more than four housing units. (Civ. Code § 1102 (a).) It was held that these words are clear and unambiguous and that there is no limitation for parcels of property where there are only residential improvements. The addition of commercial uses and structures on the property does not nullify the consumer protections the law was intended to provide.

The court noted that it was true that the Legislature did not intend for the Transfer Disclosure Act to apply to commercial real estate transactions. The court ruled that it was unnecessary to characterize the nature of the transaction as “residential” or “commercial” because the statute triggers the need for a TDS simply by having a dwelling unit in it. Presumably, a parcel of land that is used primarily for commercial purposes but has a seemingly insignificant dwelling unit is also considered mixed-use, thus requiring a TDS. If a parcel of property is mixed-use, to what extent does the TDS apply: only to the dwelling unit, or also to the commercial parts of the property? The court did not address this issue.

The case highlights the results of not providing disclosures to the buyer. It has simply been a common fact that parties to a transaction believe that a parcel of property that can be characterized as primarily commercial means that the Transfer Disclosure Act does not apply. This means that there are many sellers who have violated disclosure laws. Even scarier for sellers and their brokers is the potential scope of disclosure involving mixed-use parcels of land. It would certainly have significant adverse consequences in the real estate market if a court ruled that the disclosure requirements apply even to the commercial portions of the property, but that is a problem for another court to resolve. The take-away lesson here is that it’s usually worth the effort to over-reveal.

When starting a new small business, the entrepreneur will often look to venture capital as a source of funding. Here are 3 tips to ensure that venture capital financing can be secured when submitting your business plan:

1. Send your business plan to the right people

Venture capitalists tend to specialize in certain types of businesses. Some will specialize by industry, investing only in energy startups, for example, while others are looking for a certain size of company to invest in. It is worth doing your research to determine who the venture capital sponsors are for your industry, before you start submitting your business plan. Venture capitalists who are not specific to your industry can provide recommendations to make your plan more attractive to other venture capitalists. However, it would naturally be a mistake to send your plan to potential investors who will not even consider it.

2. Make sure your business has the potential to be profitable enough

Most venture capitalists seek a return of about 5 to 10 times their initial investment. For example, an investment in a company of $ 2 million should produce a return of $ 14-20 million after about five years. To meet these requirements, it is generally necessary to have a business that has the potential to earn a high rate of return on the amount invested. If the rate of return can reasonably be expected to be lower, as in the case of a clothing retailer, it is probably best to seek an alternative source of financing, such as an investment or commercial bank.

3. Remember to include an exit strategy for your investor

Venture capitalists generally do not want to be involved in a new company for an indefinite period of time. Most will plan to leave the new company after about five years, so you should offer a clear explanation of how this can be done. There can be a variety of reasons for this; Some venture capital managers require that units be sold periodically to acquire other offerings. However, by showing you understand the limited time frame for many venture capitalists, you automatically make your plan more attractive than those who don’t.

In short, by submitting your business plan to the right people, recognizing what rate of return is necessary for venture capitalist engagement, and including an exit strategy, you can improve your odds of obtaining venture capital funding for a business. new and growing business.

The S&P 500 eMini is popular with the four eMini futures to trade. Traders are beginning to appreciate the S&P 500 eMini because its trading action offers a “ middle ground ” compared to its staunch siblings, Dow-30, nascent leader, Nasdaq-100, and hypertensive brother, Russell 2000.

Trading the S&P 500 eMini (ES) requires an understanding of market dynamics and an idea of ​​where the price is heading. Attentive monitoring of the price action in the ES daily value area provides the trader with information on the intraday price direction.

The value area is defined as the price range of the instrument in which 70% of yesterday’s volume was traded. The Value Area is important because it defines the current ‘Comfort Zone’ where traders are comfortable operating under a neutral bias.

By taking into account the price movement with the value area, you can signal the direction of the intraday price. The value area for the ES is particularly accurate in signaling the price direction because the ES is the “middle ground” eMini trading instrument.

Signals in the direction of intraday prices are very helpful for traders in quickly deciding which trades to take during the day. Here is an analysis of the signals from the value areas.

80% rule sign. The 80% rule is easy to understand and fairly reliable in determining the direction of the market. When the market is above or below the Value Area, and then penetrates the Value Area for two consecutive half-hour periods, the market has an 80% chance of at least filling the Value Area.

The trader has the opportunity to place a trade once the signal is triggered and move the price up through the Value Area before deciding to exit the trade.

Above the value area sign. When the market opens and remains above the value area, this indicates a very strong uptrend. Institutional buying is happening in the market pushing the market higher. A trader may buy the market on dips, sometimes while testing the upper value of the value area, before it resumes its rally.

Below the value area sign. When the market opens and remains below the value area, this indicates a very strong downtrend. Institutional selling is happening in the market pushing the market lower. You may be able to sell on market rallies, such as a value area bottom test, but you don’t want to trade much when institutions are selling.

Support / resistance signals. The bottom and top of the value area are excellent support and resistance levels. For example, if you were well above the value area, you would place a sell stop just below the top of the value area because if the market penetrates the value area, a strong downtrend is indicated. If you want to buy and the market is below the Value Area, you would place your buy order just above the bottom of the Value Area, because if the market penetrates the Value Area, a strong uptrend is indicated.

Also, watching the other eMini as the ES approaches the top or bottom of its Value Area can be very helpful in guiding a trader’s decision. For example, when the ES is within its Value Area but hovering just below its top of the Value Area, if the Nasdaq eMini is showing strength, then there is a greater chance that the ES will penetrate its value area. , indicating a bullish bias and a Buy. If the Nasdaq is showing weakness, then there is a greater likelihood that the ES will decline from the top of its value area, indicating a bearish bias and a sell.

In conclusion, considering the movement of the S&P 500 eMini relative to its Value Area is an excellent method of deciphering the direction of the market. The more a trader monitors the eMini price action in their value area, the better “in tune” the trader will be with its dynamics.

Playing softball competitively or recreationally requires a basic skill set including catching, pitching, fielding, hitting, and running bases. A dedicated softball player should take the time to practice correct techniques in the following skills in order to play the game confidently and confidently. Even experienced softball players should continue to practice and exercise these skills to improve their performance.

Trapping

Proper catching skills allow a player to not only catch the ball without injuring himself, but also position him to throw the ball accurately. The fact is, catching and throwing are two of the fundamental defensive skills in softball. The ability to catch and throw a ball is very important as this allows a player to send off a runner who is trying to advance to the next base.

Launch

As mentioned above, throwing is one of the two most important defensive skills a player must learn in softball. A fast and accurate throw can make it difficult for the opposing team to advance their runners or score. Softball players must practice correct pitching technique to hit their goals quickly, accurately, and consistently.

Fielding

Fielding is another essential defensive skill that a softball team must master. A good team field makes it difficult for the opponent to score runs. Players are trained in the correct way to field a ball that is struck both on the ground and in the air. Fielding drills also involve knowing where to throw the ball. Many times fielders must rehearse particular plays to know where to throw the ball if it hits them.

Pounding

Batting is probably the most challenging and fun skill to learn in softball. Hitting a small ball with a rounded bat into a particular area in a fraction of a second is a technique that softball players must continually practice and perfect. A good shot requires eye-hand coordination, quick reaction time, correct technique, and confidence.

Base in operation

Excellent basic execution isn’t just about speed, it’s also about smart execution. Even more important than simply moving around the bases is the wisdom to assess the current state of the game. An astute base runner takes into consideration the number of outs and the opposing field placements. Quick and smart base running puts great pressure on the defensive team.

In softball, where you often run and slide, a good pair of softball cleats and a trusty, moisture-wicking pair of softball socks are essentials.

In case you were unaware, actions taken on a contract are tied to the “performance” date, also known as the “final acceptance date” (Texas Association of REALTORS® (TAR) Form 1601, p. 7 ). This means that all annexes or agreements with specified time limits must be fulfilled within the specified time on a calendar day and day one begins the day after the execution date.

The most important time period for the home buyer or seller to consider is the option period, if one has been negotiated. For the sake of simplicity, let’s use a hypothetical contract signed by all parties and executed on December 31st with a ten-day option period. This means that the first day of the options period begins on January 1 and ends at midnight on January 10. This option period is often used for property inspections, insurance quotes, and repair negotiations. Once this hurdle is overcome, the assessment and survey is conducted to complete the closing process.

When it comes to homeowners association documents, surveys, and third-party financing approvals, the same rule applies. If the appendices specify a certain number of days, one has to make sure to meet the deadlines or be in default, which is never a good thing.

Remember, the clock starts ticking on the final acceptance date, also known as the execution date or effective date. Professional REALTORS® should always be aware of the time constraints within your contract and should remind you of the date as a buyer or seller. If not, be sure to ask your REALTOR® what the deadline is.

What are stocks? Why invest in them? Do you need to consider investing in stocks for money management?

Shares, commonly referred to as “stocks,” are parts of companies that people can buy and therefore own a part of the company. The company issues shares to the general public when it analyzes the need to raise the funds necessary to operate and expand the business to maintain its goodwill.

Shares are of two types: ordinary shares and preferred shares. When the company maintains its goodwill, both stocks perform well. The difference in profits between the two is observed when the company (in which you have invested) cannot maintain its goodwill in the long term. Ordinary shares, as the name suggests, are common and the distribution of profits and the calculation of the loss are made after considering the creditors and owners of preferred shares.

After understanding what stocks are, the next thing we need to know is why investing in stocks is necessary and how investing in stocks is beneficial.

Money can be earned in two ways: first, by exchanging your efforts and work or services for money. Second, earning money to earn that extra money. Many people opt for savings schemes, which generate tangible interest that is not enough to beat inflation. Many or consider that almost 90% of people make money with the first method, many of them do not even have a rare knowledge of the second, that is, they invest money in stocks and shares or have knowledge, but consider it a risk.

Investing in stocks is one of the easiest and fastest ways to earn money. The five good reasons to invest in stocks are:

• The stock markets don’t care about you. This means that regardless of what you invest, you may make a profit or you may have to lose your share. Investing in the stock market requires proper research of the stocks that interest you and starting with a small amount of investment.

• Stock markets are always poised for growth. The value of the shares will remain high until an investor trusts the company’s shares and prices will start to fall once investors lose confidence and sell them. Again, over a period of time, the value of the same stocks will rise when investors gain confidence again. Therefore, gains in stocks are very inconsistent, they can at any given time give very high returns or they can incur losses, but the conditions are always reversible.

• When investing in stocks, there are new regulations that are always in force and help the market to act safely. Many of these regulations are investor friendly, making them more transparent and easy for a common man to understand and assist in stock investing.

• Investing in stocks is the only option in which you can earn money in the short term (in the form of investment) as well as in the long term.

• The most considered and most valuable reason to invest in stocks: You can trade them, buy them when you want and sell them at a higher price or when you need money.

Investing in stocks is the best and easiest way to make money as long as you have enough knowledge, do proper and thorough research before investing.

What do you need to know about the follow-up?

Following up with connections, marketing campaigns, networks, or phone calls is more a matter of discipline and time management. Ninety-nine out of a hundred people I know don’t really know how to track. Most of the fault is due to not knowing what to say or thinking that they are begging for the business. You actually go to events and do marketing campaigns to do business and you need to follow up. You can’t wait until someone else does, you can wait forever. Even when you have a marketing campaign on the go, you still need to follow up with the people who have responded. The key here is that you do business with people, not organizations. You must be in contact with the person who will be a conduit in the purchasing process of your organization. It really doesn’t matter at what level you enter a company, what matters is that you enter it.

People in all positions within a company will be able to help you meet the right person for decision making. So don’t think you don’t need to track based on the card title. CEOs may run a company, but others work in it and make the requests for services and products they need to do their jobs more effectively.

Here are some tips that can help you keep track:

o When networking at an event, only collect cards and contact information from the people you want to do business with. Send them an email that evening or early the next morning stating that you would like to schedule a meeting (by phone or face-to-face) to learn more about their business. (Never mention the word sell in this first meeting.)

o When you attend a group of potential clients and receive a referral, ask if you can be introduced for a three-way icebreaker call. This way, you get a great presentation from a third party. Introducing a third party gives you more credibility than introducing yourself. The three-way call is also a way to tell if it is a real clue or just a card that someone took.

o When sending cover letters, be sure to only send a maximum of five per day so it’s easy for you to follow up. Wait a minimum of five, but no more than ten days to follow up. Follow-up can take the form of a phone call if you have indicated so in the letter or it can be an email. I would recommend a phone call to remove all non-prospects from your list. The call can be as simple as “… did you get my letter and insert (a small token of some kind)? I would like to take just 3 minutes of your time to schedule an appointment with you if I think what I have to offer it can work for your business. ” This is a good starting point for organizing meetings.

o When referred by another customer, ask if you can use their name in the conversation. Make sure you can or the referral won’t work the same way, it will be too much for a cold call

The most important part is scheduling your follow-up calls. Put the calls in your phonebook along with the names and numbers of the people you are calling. Force yourself to complete homework every day. Connecting with one or two people each day will give you 365 to 730 people in a calendar year. Surely you can get some business out of so many calls.

Business cards are a very important business tool used to create the lasting first impression on a future customer or client. Having a high-quality, well-designed card helps give the first impression that you care about your business and that you care about the customer. Have you ever been in a business and have been handed a cheap business card with your name on it? I bet your first impression was not a good one if so. So when you are considering printing your business card, make sure your card provides all the important contact information for a customer to contact you and includes what the business does or offers.

Choose a printer that uses high-quality cardstock, ink, and cutting for your business card printing. If you need help with a design, most printers also have a designer who can help you find a unique theme or idea for your card and help your card stand out from all the other business cards your clients use. Potentials will get in touch. . Remember that your business cards are also part of your corporate brand and should represent you and the company, anything you can do to stand out and be remembered can amount to potential money later.

Designing your display for your booth or display anywhere is also part of your corporate branding and works to represent you and your business. Exhibitions can be organized at conferences, trade shows, or can be used as temporary displays to showcase the goods and services your company offers to potential clients or customers. You have the option of designing your exhibition layout yourself or hiring a professional designer to work with you. A professional exhibition designer will produce rough ideas in the form of sketches, scale plans, computer-generated images, and models to show you what your booth or exhibit will look like.

Booths and displays designed for exhibitions should look clean, organized, and show what your business is all about. This is a form of corporate branding that your future clients and clients will see before they have a chance to speak to you, your employees, or pick up your brochures and business cards. The perfect display design should offer them something that makes them want to reach out and take away your information and materials, thereby creating leads.